The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,386
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,896
−HK$518/mo
Today · 4.125%
HK$17,414
baseline
▲ 0.50% · 4.625%
HK$18,474
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,828/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,230
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,719
−HK$496/mo
Today · 4.125%
HK$19,215
baseline
▲ 0.50% · 4.625%
HK$20,227
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,430/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,664
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,275
−HK$622/mo
Today · 4.125%
HK$20,897
baseline
▲ 0.50% · 4.625%
HK$22,168
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,794/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,876
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,462
−HK$595/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,273
+HK$1,216/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,654
−HK$725/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,863
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,522
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,206
−HK$694/mo
Today · 4.125%
HK$26,900
baseline
▲ 0.50% · 4.625%
HK$28,318
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,800/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,495
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$932/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,690/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,813
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,693
−HK$893/mo
Today · 4.125%
HK$34,586
baseline
▲ 0.50% · 4.625%
HK$36,409
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,172/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,586 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).